Condo Insurance by State
Condo insurance (often called an HO-6 policy) covers your unit interior, personal property, liability, and sometimes loss assessment. Premiums vary by state, coverage amount, and deductible. Select your state for average estimates and scenario comparisons.
What Condo Insurance Generally Covers
Typical condo policies cover improvements and betterments inside your unit, personal property, liability, and loss of use. The condo association's master policy usually covers the building structure and common areas; your policy fills the gap for your unit and belongings.
How Condo Differs From Homeowners and Renters
Homeowners insurance covers the entire dwelling and land. Renters insurance covers only belongings and liability, not the structure. Condo insurance sits in between: you own your unit but the association typically insures the building; your HO-6 covers your unit interior, contents, and liability.
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Estimates are educational and based on state-level averages. How we calculate · Home Insurance · Renters Insurance · Sources